Underwater on your mortgage and still haven’t refinanced? Here are some lender tips on refinancing through HARP, a government-backed program to help underwater homeowners lower their monthly payments or lock down a low, fixed-rate mortgage.

Don’t assume you won’t qualify

Do you owe way more on your home than it’s worth? You can still refinance through HARP (the Home Affordable Refinance Program) no matter how underwater you are.